| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSUREYOURPEOPLE, LLC3 | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 9.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $806 | $0 | $806 | 0.87% |
| ZENEFITS3 Filed as: ZENEFITS, INC. | 303 2ND STREET, NORTH TOWER SUITE 401 SAN FRANCISCO, CA 94107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $594 | $594 | 0.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $10K | 10.38% |
| INSUREYOURPEOPLE, LLC3 | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $500 | $4K | 4.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $202 | $2K | 1.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | UNKNOWN ATLANTA, GA 30339 | EYEMED | $958 | $0 | $958 | 6.94% |
| INSUREYOURPEOPLE, LLC3 | 40 EAST RIO SALADO PARKWAY TEMPE, AZ 85281 | EYEMED | $747 | $0 | $747 | 5.41% |
| ENROLLEASE3 Filed as: ONE DIGITAL | UNKNOWN ATLANTA, GA 30339 | EYEMED | $181 | $0 | $181 | 1.31% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 110 | $92K |
| Vision | EYEMED | 167 | $14K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 128 | $92K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 128 | $92K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 128 | $92K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 128 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.